Posted in Uncategorized

Coffee Break: Retirement

Good morning everyone and TGIF! After taking a couple days off earlier this week, it has been a bit of playing catch up so rather than doing a full breakdown, I wanted to do one of my patented Coffee Breaks.

So what is today’s topic? Well, I just came back from the retirement party for one of my coworkers so I thought retirement was a pretty good topic to bring up! So retirement, the inevitable dream that we all have of one day being able to achieve because it means that rather than waking up to head into the office for the ol’ 9 to 5, we can focus on our hobbies. Unfortunately, the news is always talking about how people are working later because they often do not have enough saved up to be able to afford not working anymore. At the same time, we are seeing the ultra wealthy and powerful working long after retirement age despite having more than enough funds to be able to retire. How many politicians are there working long past their retirement age because they simply cannot just let go. Or what about those who simply make such large amounts of monies but they choose to continue to work and accumulate more and more funds. If I had the sort of money that Musk or Bezos had, I would disappear. I would no longer work, I’d stay out of the media cycles, and focus on things that bring me joy. They say work makes them happy, but I think we can all agree they are only doing it because they like to feel powerful. No one accumulates that much wealth when they feel happy with themselves.

So focusing on real Americans, what are the current retirement statistics? For starters, the current retirement age is 66 for those born between 1943 and 1954; for those born after 1960 it is 67. While you can certainly choose to retire earlier than that but these ages have to do with when you can begin claiming the most in Social Security. When you retire early, you take a reduced amount so this really when come down to your personal finances. I cannot stress enough, it is important to have a financial advisor who can assist with these sorts of questions.

Many of us have retirement accounts, most often in the for of a 401(k) but there are many other options. So let us say you have a 401(k), how much should we have in this account when we retire? This is a pretty broad question and certainly comes down to how early you retire, do you have a significant other who also has an account, what are you personal expenditures, etc… Well according to Bankrate, when you choose to retire they actually recommend having at least 10-years worth of your current salary saved up in your 401(k) which can seem very daunting to say the least.1 Additionally, they provide the average and median breakdowns of 401(k) accounts based on ages, as seen below:

Where do you do you place for your age group? Without going into my actual information I can say that I am 34 but I did not actually start a 401(k) account until the age of 25 when I joined my current company and that had this as an option. Unfortunately, most people in their 20s are not concerned with thinking about saving up for retirement. But a decade later I realize that I still have to work another 30-years and then hope that I have enough saved up. Or maybe I will get lucky and come into a lot of money where I can sort of disappear and enjoy myself.

So for those out there, regardless of your age group, what are your retirement tips for us saving and trying to get there? Do you have a side hustle that funds your retirement? Or are you one of those you saves a lot early on so you can enjoy it later? Or do you simply have a saving account rather than a 401(k) to avoid those penalties should you wish to access those funds? Feel free to share below in the comments!

With my coffee about done and needing to get back to my desk, I want to thank you for swinging by for this Coffee Break. I’ll have a full Breakdown for you this next week, and as always I’ll be sure to see you around the Breakroom.

  1. Baker, B., & Whelehan, B. (2024, February 6). The average 401(k) balance by age. Bankrate. Retrieved April 18, 2024, from https://www.bankrate.com/retirement/average-401k-balance-by-age/#:~:text=Fidelity%20says%20by%20age%2060,k)%20balance%20should%20be%20%24800%2C000. ↩︎
Posted in Uncategorized

The Office: Season 3, Episode 2 “The Convention”

Good morning everyone, thank you so much for stopping by the breakroom! We are officially back to Spring Round 2 here in Minnesota. Our spontaneous blizzard has all melted, the weather is in the 60s, and we are hopeful that this time it sticks. We even have had several instances of rain this week. That’s right, while most of American was watching the eclipse earlier this week, I got to look outside at a cloudy sky while it was raining on top of the last bit of snow and ice on the ground. But I saw plenty of pictures of it online so that was good enough for me. In fact my entire Facebook feed seemed to be eclipse-related and it eventually it go to the point where all I could think about was:

But I digress, I certainly do not want to be a Negative Nelly about it all. So instead, why don’t we talk about what happened here at the office today?

As usual, Michael came in hot because he was excited to share his life-changing news with Pam; he was going to be father! No, he did not get his girlfriend pregnant. Instead, he was inspired by seeing Angelina Jolie talking to Oprah about how amazing her life had become after she adopted her child from China. So much so that he made the decision he wanted to do the same, so he asked Pam to get the necessary information for him. I don’t think we truly appreciate Pam for all that she has to put up with in her job. I will remind you all that she is the office receptionist. But on top of all that, Michael likes to treat her like she is his own personal assistant. You might have noticed she has been tasked with much more than usual ever since Ryan was made a full sales employee. Since he doesn’t have a temp that must do everything he says, Pam gets to be tasked with these sorts of requests. Thankfully, Pam already was relatively versed with this topic because Roy’s sister had actually considered it. Not only does the application fee run around $1,000 but there can a wait lasting close to eight months. Not only was this more expensive than he anticipated (again, this is just the application fee) but he doesn’t even know if he’d still want a child in eight months. Determined he wanted a guarantee of a child, he was able to talk Pam into agreeing to having a child with him in 30 years, providing neither of them are married. Personally, I think Pam decided that if she truly was still alone in that time, she could put up with Michael.

I was curious about these fees and wait times associated with adoptions so I did do some quick research. According to Family Equality, Pam was not kidding that adoption can be very expensive. There are actually three styles of adoption, and each has their own costs. The least expensive is Foster-to-Adopt in which you begin as a foster parent and then choose to adopt. These often run less than $2,600 and can even be free since they go through the public child welfare system. Next is the Domestic Adoption, where you choose to adopt from within the United States and typically range from $20,000 to $45,000. Finally, the International Adoption (which Michael was looking at) often range from $30,000 to $70,000. Technically there is the Second or Step Parent Adoptions but those have to do with formally adopting non-biological children, like if your were marrying someone who already had children. There are many factors that go into calculating the costs associated such as lawyer fees, the adoption agency you work with, and even any travel associated to other states or countries1. Many companies do offer benefits for those looking to adopt, including parental leave, so it is beneficial to look into what your company offers. The wait time can be even more broad with the wait being several months to even a year. Again, there are many factors that go into this but my understanding is the greatest wait can be for those looking to adopt an infant. While many people dream of adopting a young baby, let us not forget how many children and even teenagers are stuck in the system and would love to have a place to call home. For those looking to adopt, I urge you to consider older children who are just as eager to be adopted.

With this potential crisis averted, we can focus on our actual work day. So Michael and Dwight are actually not sticking around today! They are heading to Philadelphia for the annual Northeastern Mid-Market Office Supply Convention. It is a big deal for companies like ours to get in touch with these other companies, make connections and possibly get some new business. But they are not the only representatives for Dunder Mifflin because they will be meeting up with Josh and Jim from Stamford and then Jan from corporate. I could tell that Michael seemed to be very on edge about the whole trip. Besides having to deal with Jan and their past “relationship” this will be the first time he has seen Jim since he left and he has some pretty negative emotions towards Josh because of the transfer. Well, true to form Michael has a dedicated check list to go over all of this packing. They were only going for a couple nights but I have mad respect for a travel checklist. I personally take packing very seriously and will do checklists to ensure that I get everything I need. My husband went to Florida for a work training a couple months ago and I personally took care of his packing. He didn’t even ask, I simply took over the whole thing and made sure he was fully packed. Of course, it would’ve been about the time he was on the plane that I realized I forgot to send him with a travel umbrella. That is why you do a checklist, because even when you do there is that chance that one thing will slip your mind.

And they were off, I don’t know everything that happened but I did hear that in the end it was a pretty good trip. Michael was stoked about all of the swag that he got to pick up. So much, in fact, that he was planning on decorating his entire condo with the free swag they got from all of the vendors. He did get annoyed with Josh, and even had Dwight try to dig up some good dirt on him that he could use to torpedo his chances of absorbing the branch. Unfortunately, it sounds like Dwight’s “contact” he has wasn’t available so they weren’t able to come up with anything. For the record, I have never actually tried to dig dirt up on a colleague in an attempt to destroy their career. That being said, with so many people putting their entire lives on social media it is surprisingly easy to catch people compared to in the past. But left to his own devices, Michael was successful in arranging a deal with Hammermill so we could now offer their products to our customers. Considering that they were previously exclusive with Staples, I think this shows that Michael is a lot more capable than we often give him credit for. Even better, I hear he was able to patch things up with Jim so they are back on good terms. I guess Michael seemed to think Jim left Scranton because he thought Josh was the better boss. That doesn’t seem to be the case so there are no hard feelings between those two.

What did we do here in Scranton with Michael and Dwight gone? As it turns out, our office seems to run pretty smoothly with them gone so everything was business as usual. Did we perhaps slack off just a bit more with the bosses gone? Sure, but everyone does that. Especially since Angela also left and she is normally the stickler that doesn’t let anyone get away that sort of nonsense. Strange coincidence she left the same day as them, very odd. Our only really exciting news was Pam agreed to go on a double date with Kelly, Ryan and a friend of theirs who is a local cartoonist for the paper. I think Kelly thought that because Pam is really into art, that they might hit off. I had a hunch it wouldn’t be a love connection, this was her first date after being Roy since high school and the general rule is you need to get a couple of awkward dates under your belt as you put yourself back out there.

And that was pretty much all that happened here around the office, overall a pretty chill day with the boss away! I am jealous about not getting to go to that convention because I am crazy for getting to buy office supplies. Where does everyone like to get their favorite supplies? Predominately, I am either OfficeMax for in-person shopping or else I do love my Amazon. Does anyone have specific items that they are tied to a set brand? I have two personal favorites, notebooks and pens. For notebooks, I am obsessed with the brand Black n’ Red which can be found at both Amazon as well as OfficeMax. It might be a bit more expensive but I feel they are great quality, and they have a professional look to them so they are excellent to carry into a meeting. For pens, I only like to use Tul in 1.0 MED when available; again, these can be found at both OfficeMax and Amazon. Besides having a great look to them, they also have just the right feel in my end. While not everyone might be so specific with notebooks and pens, I feel we all have at least one thing that we need to have a specific brand or model of, otherwise we feel off. So please, feel free to list your favorite office supply down below in the comments!

I hope you all get a chance to enjoy the great weather this weekend, and if I don’t see you around the office I’ll make it a point to say hi to you around the breakroom!

  1. (n.d.). Average Adoption Costs in the United States. Family Equality. Retrieved April 11, 2024, from https://familyequality.org/resources/average-adoption-costs-in-the-united-states/ ↩︎
Posted in Uncategorized

Coffee Break: Comfort Foods

Good morning and Happy Friday everyone! I am actually not in the office today, like many of my colleagues I have gotten just shy of reaching my limit of PTO saved up so I really need to start using this up.

Friendly reminder to ensure you are using your PTO time, it is important to take some personal time to refresh and recharge and work on your own personal projects. Because of that, I’m stopping in for a quick Coffee Break. Rather than doing my normal breakdown of a full day at the office, I want to spend just a couple moments talking about a quick topic. As you are all aware, if there is one thing one can never have too much of in the office it would be small talk. So these small sessions are perfect because they are intended to offer a possible piece of conversation the next time you are at a loss for topics at the office.

Now, for those of you in the Midwest we are expecting snow starting as early as this evening. Whenever I hear snow is coming, I like to make sure I have meals and foods stockpiled in preparation. Additionally, I always love to plan a great meal of comfort food. One of my favorites, which I will be doing Saturday for dinner, is the French class, bœuf (beef) bourguignon. Simply put, it is a French beef stew where the secret is braising the meat in red wine which is guaranteed to make any meat melt in your mouth. There are many variations of this, I know Julia Child has a famous recipe, albeit can be a bit more complicated than others. The one I prefer is from Once Upon a Chef with Jenn Segal and can be found at https://www.onceuponachef.com/recipes/beef-stew-with-carrots-potatoes.html.

A great deal of time goes into it, this particular recipe takes at 3.5 to 4 hours primarily because of the braising time in the oven. But it is absolutely worth it, and I highly recommend freshly baked dinner rolls (with butter) to go alongside it.

So that is one of my favorite comfort foods I like to bring out when I am expecting a cold weekend, what about you? Please share some of your favorite comfort foods and recipes in the comments. And the next time you are at a loss for small talk and perhaps someone just brought up the weather, food is an absolutely safe option to bring up. Regardless of the weather, our food choices tend to tie into how warm or cold it is. Plus, we all have favorite recipes and meals that we cannot wait to talk about share.

I hope you all have a great weekend, and we do not get too much snow around here. Thank you for joining me for this Coffee Break, and until next time I’ll see you around the Breakroom.

Posted in Uncategorized

Out of Office: Birthday

Good morning everyone and happy Friday!

I am going to be out of the office today because it is my birthday! Yes, 365 days have rotated and the calendar is telling me that I am officially 34. So while you are stuck at the office with no one to recap the day, I am most likely off brunching with my husband or perhaps doing a little bit of shopping to treat myself. Overall, I don’t usually do too much for my birthday and I like to keep it mellow so besides brunch and shopping I will most likely relax with some video games, couch time with the pups, and maybe a movie to close out the evening. Relaxation is the key word as a means to reset myself.

Feel free to let me know in the comments if you have any fun birthday plans for own birthdays coming up, or just tell us what your plans are for the weekend. But I will see you all next week ready to share the scuttlebutt.

Until next time, see you around the office!

Posted in Uncategorized

The Office: Season 2, Episode 9 “Email Surveillance”

Good morning everyone and welcome back to the breakroom. We have officially made it all the way to Friday so the only question left is if we can make it to the weekend without any serious incident. Let us jump into the day and see if we can make it!

Unfortunately, we were not able to make it very far before Michael had to create a whole ordeal in the office. He happened to look out the window and see a man walking towards the office; he happened to appear Middle Eastern and was wearing a turban. I’m not sure why he assumed he was coming here but he quickly turned out the lights and had everyone act like the office was empty. Turns out we were expecting this gentleman and as Michael pointed out, he did not make a great first impression with our new IT guy. I really do not feel like I need to point out what was so wrong with what Michael did but I suppose I must given that this might go over some heads. Michael saw someone who looked Middle Eastern, in traditional dress from their culture, and immediately went to terrorist. We should not profile or stereotype people we meet and should instead use a little common sense.

Once the new IT guy, Sadiq, was finally able to make his way into the office we find out a bit more about what he is even doing here. Turns out Michael has been trying to load a new program on his computer but had difficulties doing so, and specifically requested him to come into the office to assist. Evidently Michael’s struggle was that he couldn’t access the software because it was password protected; which he was simply required to enter his own password to access the software. It took Sadiq about two seconds to get this resolved, mainly because Michael had his password (1234) listed on a Post-It attached to his computer monitor. This brings up some good points about the importance of password security.

Regarding physical storage of a password, it is important to not leave a password out if you work in an office setting since anyone could walk by and instantly have your information. There are phone apps out which are specifically meant to be used as a place to document your log-in information with these apps normally protected themselves with their own layers of security to ensure no one can get in there easily. Technically, other options could be writing them down in a personal planner that you always have on you but this is not recommended since someone could still access it. Personally, if you do this planner variation I would recommend incorporating some sort of code to ensure the purpose is not easily detected. An example could be using a series of images to represent your password. Example: I decide to make my password BlueDog@1234 and to leave myself a reminder I could draw an image of a paw print (Dog), with an arrow point (@) at the phrase ‘first house’ (1234) which is the street address of my first house. This was also all written in blue marker (blue); while these are pretty obvious clues, they are examples of of the sorts of hints you can leave yourself as a reminder for a new password.

It can be very easy for us to disregard the importance of creating a complex password given we are most concerned about logging into our computers as easily as possible. What we do not think about is how many hackers are trying to access company servers. This can provide banking and financial information that can be used, other sensitive information can be sold on the black market, or simply holding the data for ransom until the company pays out. Of the most important roles of the IT (information technology) department is to keep the company servers as secure as possible and this includes setting up password requirements. Per an article through the Harvard Business Review by Luke Bencie and Sydney Williams, they actually have broken down password requirements into five different levels which showcase the levels of security1. These are arranged as:

Level One: A throwaway password, often consisting of a very familiar word and is most often associated with assigning to accounts no one cares about. You might see this with one off accounts you create with HBO just to cash in on a free week of viewing before you cancel. An example offered is Frodo218!.

Level Two: This is known as a password phrase; rather than a one word password you make one out of a series of word to offer a bit more security. These can look like everystepitake or overtherainbow. While these will not turn your account into Fort Know, this next level of complexity is still better than the one word password.

Level Three: A password phrase which uses a pattern, this can be seen as the next stage of from the former. This method is meant to be used across multiple accounts where you use a formula so the passwords are similar enough to be recalled, but still different. An example would openBlue&715! for Facebook and then openGreen&715! for Twitter. Using the same formula but different colors so they are not the exact same password being used across these venues.

Level Four: Quickly becoming the standard you might be familiar with, this level uses a password phrase alongside a two-factor authentication. This method requires you to enter your secure password, but then have a second method of verification which most often includes typing in a one-time code sent to you via email, phone call, or text message.

Level Five: Finally, we have password manager software coupled with a two-factor authentication. The benefit of the software is it helps prevent an employee leaking out their standard password because it is too complex. I personally have never used such software so I have yet to encounter this particular level.

While these are simply recommended levels for companies to view the security of passwords as, they do help showcase the differences of passwords which we use and see. Hopefully the next time you see an email sent out by your IT department talking about the importance of password security, you respect their role with the company and do your best to ensure you are secure.

Sadiq is ultimately able to help Michael get his program sent out, and is kind enough to send out a memo to the office to tell us that Michael has had email surveillance installed in the office which means he will be able to monitor our emails. I personally am surprised that this wasn’t already in place since it very common for companies to be able to monitor our emails and internet history. When one is using company technology (phone, computer, internet) you should fully expect that your company can look at what you are doing so you should be wary of what you do on them that deviates from your standard work. The biggest improper use involves porn or other inappropriate usage, but most companies will have site blockers in place which should prevent you from evening being able to go to these sites. The simplest rule is to simply save any personal usage for your personal computer or phone so nothing improper could be traced back to you. For those of you leaders and company owners, while monitoring your employees might sound simple there can actually be different laws which could impact your security that you should be aware of. According to an article by the Society of Human Resources Management, it is important to do the legal research before starting these searches. For starters, it should be made clear to employees that their company technologies can be monitored because secretly tracking employees very rarely results in a positive outcome. We see this pattern with phone calls with how it must be disclosed that the call “may be recorded and monitored” which then allows those calls to be saved for future use if needed. Additionally, many monitoring laws are determined at a state level which means if you operate across multiple states you should be aware of the differences. While it is your right as an employer to monitor the technology use of your employees on company resources, do not try to do this without performing the necessary due diligence in reviewing the laws surrounding these practices2.

While most companies would use email surveillance to ensure their employees are not talking with competitors or misusing their resources, Michael is simply nosey with what his employees are doing. He first looks for messages pertaining to his name, and he quickly finds out Stanley has been complaining about him. After that, he found that Jim was hosting a barbecue that evening and had sent out an evite to everyone in the office. Everyone, that is, except for Michael. At that, Michael seems to have completely forgotten about his new “toy” in being able to read emails and it became it mission to get an invitation to Jim’s party that evening. He joined several people at lunch in an attempt to convince them that his parties in college were always more fun when the professors came; the logic being a work party would be more fun with the boss. This a pretty obvious ploy with everyone catching on pretty fast and passed it on to the rest of the office to keep it secret from Michael. Everyone was on board and adamantly did not tell Michael about the party, even Dwight kept his lips shut. Although, Jim had told him that this was a surprise party for Michael which is why he was so on board.

The evening rolled around and we all showed up at Jim’s place for his barbecue, and he certainly went out of his way to line up a good time. He had Canadian beer, karaoke, hot dogs and burgers and a he arranged for Michael to not be there. I don’t normally socialize with everyone out of work, and it’s evident that I wasn’t the only one. Jim didn’t seem to realize that Angela is vegetarian so there was no food set aside for her; if you are arranging such an event, be prepared for any dietary requirements for people. There was then Oscar and Stanley talking shop, but Kelly was quick tell them they should be able to find something to talk about other than work. While these events are meant to be separate from the office, there are some people who prefer to talk about work most of the time. This can be because they know they have little else in common with their colleagues, or it can mean they are attempting to maintain that separation between work and home. Of course, then I overheard Pam and Phyllis talking about “office romances” and that brings up the topic of gossiping about work out of the office which is a slippery slope. I found an article through Indeed which concerns the pros and cons associated with socializing with colleagues outside of work. There are certainly benefits which include developing stronger relationships, built a greater level of support between one another, and offer more satisfaction with work in being friends with your colleagues. But, there are also cons associated with this. Some of the biggest is that some employees do prefer to have a sense of privacy and professionalism with their colleagues. For instance, my personality and language outside of work is vastly different than I portray at work. And even though I might be socializing out of the office, I know that things I might say could make their way back to the office. For those looking to arrange events to socialize out of the office, do your best to make the event as accommodating to people as possible if you are trying to set up as a neutral event for them. And for those invited, it is absolutely okay to not be best friends with your coworkers and hang out every weekend. That being said, it truly is good to be friendly with them so it may require going out to barbecue or dinner once a a year to maintain that relationship3.

That being said, I do know that all of the work events I’ve normally gone to have included our boss so I never had to experience someone like Michael Scott barging in, uninvited, like that before. But each work place is different so there will be offices that you do not want to socialize with your leader. That being said, if you are looking to help keep the event professional, nothing sets everyone’s behavior on being good like having the boss there.

And with that, we have officially made it to the weekend with only a few incidents if you will. What can we walk away with having learned this week? Well, you should always assume your work communication can be traced so be wary of what you do on your computer and email at the office. But if you are the big brother trying to watch your employees, do your homework before trying to catch them making a mistake. Socializing out of the office, while not a requirement can have some benefits to it; some downsides, too. And most importantly, let’s support our colleagues in IT and put more effort into our passwords and security. With that, after this fun evening I will absolutely be sleeping in this weekend and I hope you all have a fun weekend with no work-related interruptions. Until next time, I’ll be sure to see you around the breakroom.

Remembering passwords is absolutely the worst, especially once we have to set up as a new one. Do you have any tips on deciding passwords which are not only secure but easy to remember? Leave your pro tips in the comments!

  1. Bencie, L., & Williams, S. (2023, January 30). Help Your Employees Make Strong Passwords a Habit. Harvard Business Review. Retrieved November 30, 2023, from https://hbr.org/2023/01/help-your-employees-make-strong-passwords-a-habit
    ↩︎
  2. (n.d.). Managing Workplace Monitoring and Surveillance. SHRM. Retrieved November 30, 2023, from https://www.shrm.org/resourcesandtools/tools-and-samples/toolkits/pages/workplaceprivacy.aspx ↩︎
  3. (2022, June 24). Pros and Cons To Consider When Becoming Friends With Coworkers. Indeed. Retrieved November 30, 2023, from https://www.indeed.com/career-advice/career-development/coworkers-friends ↩︎